According to the company, the tool uses a “proprietary mix” of indicators to flag mortgages within a servicing portfolio that may require attention. Servicing and retention teams can use these signals to conduct outreach campaigns through borrower touchpoints such as online portals and monthly statements.
The company said the platform tracks engagement at the offering level, including digital views and clicks.
Borrowers can view offers through Vertyx’s borrower portal, where messages are tailored to individual loans and presented separately for each loan in the event a borrower has multiple mortgages.
“Service teams need tools that help them stay ahead of borrowers’ needs while keeping the experience useful and human,” said Ayo Opeyemi, co-founder of Vertyx. “Borrower Relationship Management builds on the foundation of our platform to help managers engage homeowners at the right times through the channels they already use.”
On the investor side, the Borrower Relationship Management feature uses artificial intelligence-based analytics to assess a mortgage’s return and risk profile, including changes in credit performance and default scenarios.
Investors can view portfolio-level trends and evaluate individual loans to view servicing details such as payment history and cash flow, the company said.
“It has traditionally been difficult for investors to access data in a timely, actionable way,” said Moyin Opeyemi, co-founder of Vertyx. “By bringing loan-level value signals and engagement insights together with portfolio visibility, investors and managers can prioritize attention and respond earlier when performance or payout risk begins to shift.”
Borrower relationship management is delivered as part of Vertyx’s broader service platform, including Edge, the core service system; myAxis, the borrower portal; and Lynk, the investor portal.
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